In a letter to Rep. Paul Ryan (R-WI), CBO Director Douglas Elmendorf noted that roughly 1 million fewer people are expected to be enrolled in employment-based coverage in 2014, primarily because of the one-year delay in penalties on employers. About 50% of those individuals are expected to remain uninsured, while the others will likely obtain coverage through the state exchanges or will enroll in Medicaid or the Children’s Health Insurance Program (CHIP).